**5.1% APY eligibility: All new user brokerage accounts. Existing user brokerage accounts must refer a friend to deposit $100+ OR deposit $500 themselves to access the higher rate (If conditions are not met, rate is 0.03%).

Terms and Conditions Apply. The Cash Sweep Program is a feature of the brokerage account. The APY rate is subject to change. Neither Moomoo Financial Inc. nor any of its affiliates are banks.

Calculate your potential interest
Uninvested cash balance*
Over a period of
1 years
How much can you potentially earn in
Nat'l avg. savings acct.
rate: 0.45%


*Source: from FDIC, as of September 18, 2023. The national average yield for savings accounts is 0.45% APY. APY% average is subject to change. IMPORTANT: The calculation provided is hypothetical in nature, does not reflect actual results and are not guarantees of future results. The APY rate is subject to change. Interest is earned on the uninvested cash swept from your Moomoo Financial Inc. (MFI) brokerage account to program banks. Program banks then pay interest on your swept cash, minus any fees paid to MFI. Neither Moomoo Financial Inc. Nor any of its affiliates are banks.



  • What is the Cash Sweep Program?

  • How FDIC works

  • How do I receive interest payments?

  • Will it affect my buying power?

  • Can I withdraw or invest my funds from the cash sweep program at any time?

  • What is the duration of the 5.1% APY rate under the cash sweep program?